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Plaid Interview Questions + Guide in 2025

Plaid Interview Guides

Machine Learning

Encoding Categorical Features

Coefficients of Logistic Regression

Say you are given a dataset of perfectly linearly separable data. What would happen when you run logistic regression?

Perfectly Separable

Bank Fraud Model

Rebalancing outcome probabilities for a classifier on imbalanced data.

Rebalance Probabilities

Data Structures & Algorithms

Given two sorted lists, write a function to merge them into one sorted list.

Merge Sorted Lists

Compute Deviation

Find the missing integer from a array of consequtive integers

Find the Missing Number

String Shift

Given a list of integers, and an integer N, write a function to find all combinations that sum to the value N.

Sum to N

Select the 2nd highest salary in the engineering department

2nd Highest Salary

Write a SQL query to create a histogram of the number of comments per user in the month of January 2020.

Comments Histogram

Write a query that returns all neighborhoods that have 0 users.

Empty Neighborhoods

Closest SAT Scores

Rolling Bank Transactions

A/B Testing

Experiment Validity

Delivery Estimate Model

Button AB Test

Network Experiment Design

Green Dot

Business Case

New Partner Card

Unified Inbox

Delivery Assignments

Netflix Price

How would you improve the "people you may know" feature?

Friends vs Posts

<p>When an interviewer asks a question along the lines of:</p>

<ul>
<li>What would your current manager say about you? What constructive criticisms might he give?</li>
<li>What are your three biggest strengths and weaknesses you have identified in yourself?</li>
</ul>

<p>How would you respond?</p>


<p>When asked about your strengths in an interview, what is an effective way to respond?</p>

When asked about your strengths in an interview, what is an effective way to respond?

Your Strengths and Weaknesses I

<p>Which of the following is an acceptable strategy when discussing weaknesses in an interview?</p>

Which of the following is an acceptable strategy when discussing weaknesses in an interview?

Your Strengths and Weaknesses II

What do you tell an interviewer when they ask you what your strengths and weaknesses are?

Your Strengths and Weaknesses

Brainteasers

<p>When an interviewer asks you a question along the lines of:</p>

<ul>
<li>Why did you apply to our company?</li>
<li>What are you looking for in your next job?</li>
<li>What makes you a good fit for our company?</li>
</ul>

<p>How should you respond?</p>


<p>When asked 'What are you looking for in your next job?' in an interview, how can you tie the company's employee benefits into your response?</p>

When asked 'What are you looking for in your next job?' in an interview, how can you tie the company's employee benefits into your response?

Why Do You Want to Work With Us I

<p>How can company values be used effectively in an interview when asked 'What makes you a good fit for our company?'</p>

How can company values be used effectively in an interview when asked 'What makes you a good fit for our company?'

Why Do You Want to Work With Us II

<p>When responding to the question 'Why did you apply to our company?' during an interview, what aspect should you highlight?</p>

When responding to the question 'Why did you apply to our company?' during an interview, what aspect should you highlight?

Why Do You Want to Work With Us III

How would you answer when an Interviewer asks why you applied to their company?

Why Do You Want to Work With Us

<p>Describe a data project you worked on. What were some of the challenges you faced?</p>


Describing a data project and its challenges

Hurdles In Data Projects

Analytics

<p>How would you explain what a p-value is to someone who is not technical?</p>


<p>What does a p-value in a statistical test represent?</p>

What does a p-value in a statistical test represent?

P-value to a Layman I

<p>In a statistical test, how does a low p-value (less than 0.05) influence our decision about the null hypothesis?</p>

In a statistical test, how does a low p-value (less than 0.05) influence our decision about the null hypothesis?

P-value to a Layman II

P-value to a Layman

Statistics

<p>What are the assumptions of linear regression?</p>


Which assumption of the residuals of the standard linear regression model can not be overcome by increasing the sample size?

Regression assumptions

What are the assumptions of linear regression?

Assumptions of Linear Regression

<p>Let’s say that you’re training a classification model.</p>

<p>How would you combat overfitting when building tree-based models?</p>


Let's say that you're training a classification model.   How would you combat overfitting when building tree-based models?

Overfit Avoidance

<p>How would you handle the data preparation for building a machine learning model using imbalanced data?</p>


Addressing imbalanced data in machine learning through carefully prepared techniques.

Data Preparation for Imbalanced Data

<p>Let’s say we’re comparing two machine learning algorithms. In which case would you use a bagging algorithm versus a boosting algorithm? </p>

<p>Give an example of the tradeoffs between the two.</p>


<p>In machine learning, when would you use a bagging algorithm over a boosting algorithm?</p>


In machine learning, when would you use a bagging algorithm over a boosting algorithm?

Bagging vs. Boosting

Bagging vs Boosting

<p>Given a string, write a function to determine if it is palindrome or not.</p>

<p><em>Note: A palindrome is a word/string that is read the same way forward as it is backward, e.g. <code>&#39;reviver&#39;</code>, <code>&#39;madam&#39;</code>, <code>&#39;deified&#39;</code> and <code>&#39;civic&#39;</code> are all palindromes, while <code>&#39;tree&#39;</code>, <code>&#39;music&#39;</code> and <code>&#39;person&#39;</code> are not palindromes.</em></p>

<p><strong>Example:</strong></p>

<p><strong>Input:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">word1</span> <span class="o">=</span> <span class="s2">&#34;tree&#34;</span>
</span></span><span class="line"><span class="cl"><span class="n">word2</span> <span class="o">=</span> <span class="s2">&#34;radar&#34;</span>
</span></span></code></pre>

<p><strong>Output:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="k">def</span> <span class="nf">is_palindrome</span><span class="p">(</span><span class="n">word1</span><span class="p">)</span> <span class="o">-&gt;</span> <span class="kc">False</span>
</span></span><span class="line"><span class="cl"><span class="k">def</span> <span class="nf">is_palindrome</span><span class="p">(</span><span class="n">word2</span><span class="p">)</span> <span class="o">-&gt;</span> <span class="kc">True</span>
</span></span></code></pre>


Given a string, write a function to determine if it is palindrome or not.

String Palindromes

<p>Write a SQL query to select the 2nd highest salary in the engineering department.</p>

<p><strong>Note:</strong> If more than one person shares the highest salary, the query should select the next highest salary.</p>

<p><strong>Example:</strong></p>

<p><strong>Input:</strong></p>

<p><code>employees</code> table</p>

<table>
<thead>
<tr>
<th>Column</th>
<th>Type</th>
</tr>
</thead>

<tbody>
<tr>
<td><code>id</code></td>
<td>INTEGER</td>
</tr>

<tr>
<td><code>first_name</code></td>
<td>VARCHAR</td>
</tr>

<tr>
<td><code>last_name</code></td>
<td>VARCHAR</td>
</tr>

<tr>
<td><code>salary</code></td>
<td>INTEGER</td>
</tr>

<tr>
<td><code>department_id</code></td>
<td>INTEGER</td>
</tr>
</tbody>
</table>
<p><code>departments</code> table</p>

<table>
<thead>
<tr>
<th>Column</th>
<th>Type</th>
</tr>
</thead>

<tbody>
<tr>
<td><code>id</code></td>
<td>INTEGER</td>
</tr>

<tr>
<td><code>name</code></td>
<td>VARCHAR</td>
</tr>
</tbody>
</table>
<p><strong>Output:</strong></p>

<table>
<thead>
<tr>
<th>Column</th>
<th>Type</th>
</tr>
</thead>

<tbody>
<tr>
<td><code>salary</code></td>
<td>INTEGER</td>
</tr>
</tbody>
</table>


<p>Imagine you are asked to build a machine learning model to decide new loan approvals for a
financial firm. You ask the data department in the company for a subset of data to get started
working on the problem. The data includes different features about applicants such as age,
occupation, zip code, height, number of children, favorite color, etc. You decide to build
multiple machine learning models to test out different ideas before settling on the best one.</p>

<p>How would you explain the bias-variance tradeoff with regards to
building and choosing a model to use?</p>


Bias vs. Variance Tradeoff

<p>Explain the difference between the XGBoost and random forest algorithms and give an example where you would use one over the other.</p>


<p>Why might a data scientist choose to use XGBoost instead of Random Forest for a particular machine learning task?</p>


Why might a data scientist choose to use XGBoost instead of Random Forest for a particular machine learning task?

XGBoost vs Random Forest: Choice

Xgboost vs Random Forest

<p>How does random forest generate the forest? Additionally, why would we use it over other algorithms such as logistic regression?</p>


<p>What happens when you average the output on multiple decision trees?</p>


What happens when you average the output on multiple decision trees?

Average Trees

Random Forest Explanation

<p>What is the difference between Logistic and Linear Regression?</p>

<p>When would use one instead of the other in practice?</p>


What is the difference between Logistic and Linear Regression?

Linear vs Logistic Regression

<p>Let’s say that you work at a B2B SAAS company that’s interested in testing the pricing of different levels of subscriptions.</p>

<p>Your project manager comes to you and asks you to run a two-week-long A/B test to test an increase in pricing.</p>

<p>How would you approach designing this test?  How would you determine whether the increase in pricing is a good business decision?</p>


Testing Price Increase

<p>Create a class named <strong><code>LRUCache</code></strong> that implements the behavior expected of a Least Recently Used (LRU) Cache.</p>

<p>The <strong><code>LRUCache</code></strong> class implements the following methods:</p>

<ul>
<li><strong><code>__init__(self, capacity)</code></strong> - initializes the object and takes in a capacity parameter specifying the maximum capacity of the cache.</li>
<li><strong><code>get_if_exists(self, key) -&gt; Any|None</code></strong> - gets a value based on a key. If the key exists, returns the associated value. If the key has expired or did not exist in the first place, returns <code>None</code>.</li>
<li><strong><code>put(self, key, value)</code></strong> - places a value inside the cache. In the case wherein the cache is full, invalidates the least recently used element. When two keys collide, the older value should be invalidated in place of the new one.</li>
</ul>

<p><strong>Example:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">cache</span> <span class="o">=</span> <span class="n">LRUCache</span><span class="p">(</span><span class="mi">2</span><span class="p">)</span>
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">put</span><span class="p">(</span><span class="s2">&#34;sample&#34;</span><span class="p">,</span> <span class="mi">55</span><span class="p">)</span>
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">get_if_exists</span><span class="p">(</span><span class="s2">&#34;sample&#34;</span><span class="p">)</span>  <span class="c1"># returns 55</span>
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">get_if_exists</span><span class="p">(</span><span class="s2">&#34;key&#34;</span><span class="p">)</span>  <span class="c1"># returns None</span>
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">put</span><span class="p">(</span><span class="s2">&#34;hello&#34;</span><span class="p">,</span> <span class="mi">10</span><span class="p">)</span> 
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">put</span><span class="p">(</span><span class="s2">&#34;sample&#34;</span><span class="p">,</span> <span class="mi">9</span><span class="p">)</span>
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">put</span><span class="p">(</span><span class="s2">&#34;world&#34;</span><span class="p">,</span> <span class="mi">5</span><span class="p">)</span>
</span></span><span class="line"><span class="cl"><span class="n">cache</span><span class="o">.</span><span class="n">get_if_exists</span><span class="p">(</span><span class="s2">&#34;hello&#34;</span><span class="p">)</span>  <span class="c1"># returns None</span>
</span></span></code></pre>

<p>Notes:</p>

<ul>
<li><p>It is assured that the value in the <strong><code>put</code></strong> method will never receive a <code>None</code> value. Moreover, it is assured that the capacity will always be &gt; 0.</p></li>

<li><p>All operations must be O(1).</p></li>

<li><p>Aside from Python’s standard dictionary implementation (<code>{}</code>), you may not use any other built-in data structures.</p></li>
</ul>


LRU Cache 1

<p>A team wants to A/B test multiple different changes through a sign-up funnel.</p>

<p>For example, on a page, a button is currently red and at the top of the page. They want to see if changing a button from red to blue and/or from the top of the page to the bottom of the page will increase click-through.</p>

<p>How would you set up this test?</p>


<p>Your team wants to run an AB test on the color (red or blue) and position (top/bottom of the page) of a button that links to a promotion.</p>

<p>How many different variants of the test should you run to see the effect that a red button has on the bottom of the page, if currently the button is blue and on the top of the page.</p>


Your team wants to run an AB test on the color (red or blue) and position (top/bottom of the page) of a button that links to a promotion.

How many different variants of the test should you run to see the effect that a red button has on the bottom of the page, if currently the button is blue and on the top of the page.

A/B Test Variants

<p>Let’s say we want to launch a re-design of a landing page to improve the click-through rate. We can do this by implementing an AB test.
Given that we launch an AB test, how would you infer if the results of the click-through rate were statistically significant or not?</p>


<p>How can you accurately conclude if the results of an A/B test, conducted to evaluate the effectiveness of a landing page redesign, are statistically significant?</p>


How can you accurately conclude if the results of an A/B test, conducted to evaluate the effectiveness of a landing page redesign, are statistically significant?

Statistically Significant Test

Precisely ascertain whether the outcomes of an A/B test, executed to assess the impact of a landing page redesign, exhibit statistical significance.

<p>Let’s say that your company is running a standard control and variant AB test on a feature to increase conversion rates on the landing page. The PM checks the results and finds a .04 p-value.</p>

<p>How would you assess the validity of the result?</p>


<p>Let’s say that you work at a bank that wants to build a model to detect fraud on the platform.</p>

<p>The bank wants to implement a text messaging service in addition that will text customers when the model detects a fraudulent transaction in order for the customer to approve or deny the transaction with a text response.</p>

<p>How would we build this model?</p>


<p>Let’s say that you work at a bank that wants to build a model to detect fraud on the platform.</p>

<p>The bank wants to implement a text messaging service that will text customers when the model detects a fraudulent transaction in order for the customer to approve or deny the transaction with a text response.</p>

<p>Which statement is true?</p>


Let's say that you work at a bank that wants to build a model to detect fraud on the platform.

The bank wants to implement a text messaging service that will text customers when the model detects a fraudulent transaction in order for the customer to approve or deny the transaction with a text response.

Which statement is true?

<p>Let’s say you work at Allstate. Allstate is running <code>N</code>  online ads right now. The table <code>ads</code> contains all those ads, ranked by popularity via the <code>id</code> column (e.g., the entry with <code>id = 1</code> is the most popular, etc.).</p>

<p>Create a subquery or common table expression named <code>top_ads</code> containing the top 3 ads (by popularity) and return the number of rows that would result from the following operations</p>

<ol>
<li><code>ads INNER JOIN top_ads</code></li>
<li><code>ads LEFT JOIN top_ads</code></li>
<li><code>ads RIGHT JOIN top_ads</code></li>
<li><code>ads CROSS JOIN top_ads</code></li>
</ol>

<p><em>Note: Please make the <code>join_type</code> column in your output have the values <code>inner_join</code>, <code>left_join</code>, etc. for each of their respective join types</em></p>

<p><em>Note: Please return only one query with each number in a different row</em></p>

<p><strong>Example:</strong></p>

<p><strong>Input:</strong></p>

<table>
<thead>
<tr>
<th>Column</th>
<th>Type</th>
</tr>
</thead>

<tbody>
<tr>
<td><code>id</code></td>
<td>INTEGER</td>
</tr>

<tr>
<td><code>name</code></td>
<td>VARCHAR</td>
</tr>
</tbody>
</table>
<p><strong>Output:</strong></p>

<table>
<thead>
<tr>
<th>Column</th>
<th>Type</th>
</tr>
</thead>

<tbody>
<tr>
<td><code>join_type</code></td>
<td>VARCHAR</td>
</tr>

<tr>
<td><code>number_of_rows</code></td>
<td>INTEGER</td>
</tr>
</tbody>
</table>


Size of Joins

<p>Given an integer <code>N</code>, write a function that returns a list of all of the prime numbers up to <code>N</code>.</p>

<p><em>Note: Return an empty list there are no prime numbers less than or equal to <code>N</code>.</em></p>

<p><strong>Example:</strong></p>

<p><strong>Input:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">N</span> <span class="o">=</span> <span class="mi">3</span>
</span></span></code></pre>

<p><strong>Output:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="k">def</span> <span class="nf">prime_numbers</span><span class="p">(</span><span class="n">N</span><span class="p">)</span> <span class="o">-&gt;</span> <span class="p">[</span><span class="mi">2</span><span class="p">,</span><span class="mi">3</span><span class="p">]</span>
</span></span></code></pre>


Given an integer N, write a function that returns all of the prime numbers up to N

Prime to N

<p>Regularization and cross-validation are two common techniques used to improve the performance of machine learning algorithms.</p>

<p>When should you use one versus the other?</p>


<p>Given the choices below, which one is an example of a scenario where we should be using regularization?</p>


Given the choices below, which one is an example of a scenario where we should be using regularization?

Regularization Example

Regularization and Validation

<p>What’s the difference between Lasso and Ridge Regression?</p>


<p>Under what circumstances is it recommended to use Lasso regression over Ridge regression?</p>

Under what circumstances is it recommended to use Lasso regression over Ridge regression?

Lasso vs Ridge

<h1>Binary Tree Validation</h1>

<p>You are given the root of a binary tree. You need to determine if it is a valid binary search tree (BST).</p>

<p>A valid BST is defined as follows:</p>

<ul>
<li>The left subtree of a node contains only nodes with values less than or equal to the node’s value.</li>
<li>The right subtree of a node contains only nodes with values greater than or equal to the node’s value.</li>
<li>Both the left and right subtrees must also be binary search trees.</li>
</ul>

<p>Given the function <code>def is_valid_bst(root: Node) -&gt; bool:</code>, return True if the binary tree is a valid BST. Otherwise, return False.</p>

<h3>Example:</h3>

<p><strong>Input:</strong></p>

<p><img src="/s3/questions/9664817c-3e12-4a40-9236-8382b13f55a0.png" alt="image"/>Converted Binary Tree.png</p>

<p><strong>Output:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="k">def</span> <span class="nf">is_valid_bst</span><span class="p">(</span><span class="n">Node</span><span class="p">(</span><span class="mi">3</span><span class="p">))</span> <span class="o">-&gt;</span> <span class="kc">True</span>
</span></span></code></pre>


Given the root node, verify if a binary search tree is valid or not.

Binary Tree Validation

<p>How would you convey insights and the methods you use to a non-technical audience?</p>


Making data-driven insights actionable for those without technical expertise

Simple Explanations

<p>Let’s say you are working on Google Docs. A product manager comes to you and asks how the product is doing. </p>

<p>What are the top five metrics that you would start tracking to understand the health of Google Docs?</p>


Docs Metrics

Product Sense & Metrics

<p>The Fibonacci sequence is a series of numbers in which each number is the sum of the two preceding ones, usually starting with 0 and 1. It is often used in algorithm examples, and is defined by the following formula: F(n) = F(n-1) + F(n-2), with F(0) = 0 and F(1) = 1.</p>

<p>Your task is to implement the Fibonacci algorithm in three different methods:
1. Recursively
2. Iteratively
3. Using Memoization</p>

<p><strong>Example 1:</strong></p>

<p><strong>Input:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">n</span> <span class="o">=</span> <span class="mi">5</span>
</span></span></code></pre>

<p><strong>Output:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">fibonacci</span><span class="p">(</span><span class="n">n</span><span class="p">)</span> <span class="o">-&gt;</span> <span class="mi">5</span>
</span></span></code></pre>

<p><strong>Example 2:</strong></p>

<p><strong>Input:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">n</span> <span class="o">=</span> <span class="mi">10</span>
</span></span></code></pre>

<p><strong>Output:</strong></p>

<pre tabindex="0" class="chroma"><code><span class="line"><span class="cl"><span class="n">fibonacci</span><span class="p">(</span><span class="n">n</span><span class="p">)</span> <span class="o">-&gt;</span> <span class="mi">55</span>
</span></span></code></pre>

<p>The Fibonacci sequence starts as follows: 0, 1, 1, 2, 3, 5, 8, 13, 21, 34, 55…</p>


This question requires the implementation of the Fibonacci sequence using three different methods: recursively, iteratively, and using memoization.

Implementing the Fibonacci Sequence in Three Different Methods

<p>Let’s say you’re a data engineer at Fidelity Investments, and you’re running a SQL query on a cloud-based data warehouse. All cluster resources and network health metrics look normal, but the query is still taking over 10 minutes to complete.</p>

<p>How would you go about diagnosing and improving the performance of this query?</p>


How would you diagnose and speed up a slow SQL query when system metrics look healthy?

Slow SQL Query

Query Optimization

<p>Let’s say you work as a data scientist at a bank.</p>

<p>You are tasked with building a decision tree model to predict if a borrower will pay back a personal loan they are taking out.</p>

<ol>
<li><p>How would you evaluate whether using a decision tree algorithm is the correct model for the problem?</p></li>

<li><p>Let’s say you move forward with the decision tree model. How would you evaluate the performance of the model before deployment and after?</p></li>
</ol>


Decision Tree Evaluation

Plaid Interview Questions

Challenge

Plaid Salaries by Position

<h3>Job Description</h3><div>Job Description<div><div>We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.</div><div><br /></div><div>Plaid is evolving into an AI-first company, where data and machine learning are the key enablers of smarter, more secure insight products built on top of Plaid’s vast financial data network. The Machine Learning Infrastructure team sits at the center of this transformation. We build the platforms that enable model developers to experiment, train, deploy, and monitor machine learning systems reliably and at scale — from feature stores and pipelines, to deployment frameworks and inference tooling.</div><div><br /></div><div>We are in the midst of a pivotal shift: replacing legacy systems with a modern feature store, and establishing a standardized ML Ops “golden path.” Our mission is to enable Plaid’s product teams to move faster with trustworthy insights, deploy models with confidence, and unlock the next generation of AI-powered financial experiences.</div><div><br /></div><div>As a Senior Software Engineer on the Machine Learning Infrastructure team, you will design, build, and operate the systems that power machine learning across Plaid. You will apply your deep technical expertise to create scalable, reliable, and secure ML platforms, and collaborate closely with ML product teams to accelerate the delivery of ML & AI-powered products.</div><div><br /></div><div>This is a highly technical, hands-on role where you’ll contribute to core infrastructure, influence architectural direction, and mentor peers while helping to define the “golden path” for ML development and deployment at Plaid.</div>Responsibilities<ul><li>Design and implement large-scale ML infrastructure, including feature stores, pipelines, deployment tooling, and inference systems.</li><li>Drive the rollout of Plaid’s next-generation feature store to improve reliability and velocity of model development.</li><li>Help define and evangelize an ML Ops “golden path” for secure, scalable model training, deployment, and monitoring.</li><li>Ensure operational excellence of ML pipelines and services, including reliability, scalability, performance, and cost efficiency.</li><li>Collaborate with ML product teams to understand requirements and deliver solutions that accelerate experimentation and iteration.</li><li>Contribute to technical strategy and architecture discussions within the team.</li><li>Mentor and support other engineers through code reviews, design discussions, and technical guidance.</li></ul>Qualifications<ul><li>5+ years of industry experience as a software engineer, with strong focus on ML/AI infrastructure or large-scale distributed systems.</li><li>Hands-on expertise in building and operating ML platforms (e.g., feature stores, data pipelines, training/inference frameworks).</li><li>Proven experience delivering reliable and scalable infrastructure in production.</li><li>Solid understanding of ML Ops concepts and tooling, as well as best practices for observability, security, and reliability.</li><li>Strong communication skills and ability to collaborate across teams.</li><li>[Nice to have] Experience with ML Ops tools such as MLFlow, SageMaker, or model registries.</li><li>[Nice to have] Exposure to modern AI infrastructure environments (LLMs, real-time inference, agentic models).</li><li>[Nice to have] Background in scaling ML infrastructure in fast-paced product environments.</li></ul><div>The target base salary for this position ranges from $180,000/year to $270,000/year in Zone 1. The target base salary will vary based on the job's location. </div><div><br /></div><div>Our geographic zones are as follows: </div><div>Zone 1 - New York City and San Francisco Bay Area </div><div>Zone 2 - Los Angeles, Seattle, Washington D.C.</div><div>Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego</div><div>Zone 4 - Raleigh-Durham and all other US cities</div><div><br /></div><div>Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.</div><div>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!</div><div><br /></div><div>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at <span class="long-word">accommodations@plaid.com.</span></div><div><br /></div><div>Please review our Candidate Privacy Notice here.</div></div></div>

<p>Credit Team LeadWe believe that the way people interact with their finances will drastically improve in the next few years. We're dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid's network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.The Credit team is building the future of lending by making cash flow data as ubiquitous and trusted as traditional credit data. Our mission is to expand access to more affordable credit by empowering lenders with real-time financial data that improves risk assessment and decision-making at scale. We own the expansion of distribution channels for our Credit products by leading the development of solutions and integrations that unlock new customer segments and use cases across the credit ecosystem. Our ecosystem strategy continues to strengthen our market position through partnerships with major players. We bring deep expertise across lending sub-sectors to understand market structure, core customer needs, and the most effective channels to reach each segment. By combining strong technical execution with market insight, we aim to grow overall adoption of cash flow data and meaningfully expand its role in modern credit decisioning.ResponsibilitiesYou will lead a team of 7 engineers, ranging from mid-level to Staff, developing them through clear goal setting, coaching, and feedback.You'll collaborate with cross-functional partners to identify high-leverage opportunities, shape the roadmap, and dive deep into technical design and execution details to ensure consistent delivery of high-impact business outcomes.You'll uphold a high bar for technical quality and delivery velocity, leading by example.Qualifications8+ years of industry experience, that includes time as a Staff-level engineer before transitioning into management.1+ years of engineering management experience Deep experience designing scalable, reliable architectures that support real-world products at scale.Track record of building and growing high performing engineering teams (either as an engineer or a manager).Prior experience working on Partnerships.Bonus points if you have prior Fintech and/or Credit experience$214,800 - $366,000 a yearTarget base salary for this role is between $214,800 and $366,000 per year. Additional compensation in the form of equity and/or commission is dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at ...@plaid.com.</p>

<h3>Job Description</h3><div>Job Description<div><div>We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.</div><div><br /></div><div>Plaid’s Payment Data team builds models, services, and platforms that improve how millions of users move money through ACH. We’re looking for data scientists to apply best-in-class methodologies to develop new products, enhance existing systems, and generate insights that power data-driven decision-making.</div><div><br /></div><div>You’ll be a Data Scientist as a part of the Data org, tackling high-impact analytics and machine learning challenges that directly shape business outcomes. In this role, you’ll use data to drive strategic decisions, inform production direction, and evaluate and improve ML systems. You’ll partner closely with clients both pre- and post-sales to assess product performance, conduct retrospective analyses, and craft risk mitigation strategies that maximize impact.</div><div><br /></div><div>Day to day, you’ll deep dive into model performance, triage issues, and identify opportunities for improvement across ML risk systems. You’ll develop new features to strengthen model performance, build scalable data pipelines using tools like dbt to automate ETL processes, and design metrics, alerts, and dashboards to monitor production models. This is an opportunity to combine analytical rigor, technical depth, and client collaboration to drive measurable results.</div>Responsibilities<ul><li>Applying your expertise in quantitative analysis, data mining, and data visualization to find insights for improving our API products</li><li>Identifying useful signals that can be fed into machine learning models</li><li>Informing and influencing product and engineering teams through your data analysis and presentations</li><li>Making long-term data science roadmap decisions like how machine learning and data science iteration should be done at Plaid </li><li>Championing a data-first approach toward decision-making across the entire organization </li></ul>Qualifications<ul><li>5+ years of industry experience in a product-focused Data Science role</li><li>Experience working on ACH risk strategy or system, building Guaranteed ACH product is preferred </li><li>Deep familiarity with SQL and data visualization tools</li><li>Experiencing conducting large-scale A/B experiments, analyzing results, and translating them into concrete recommendations</li><li>Familiarity with the AWS stack</li><li>Understanding of modern machine learning techniques, such as classification, clustering, optimization, deep neural network, and natural language processing</li><li>Proven ability to tailor your solutions to business problems in a cross-functional team</li><li>Ability to code and iterate independently in Python to conduct exploratory data analysis</li><li>Experience building data pipelines in DBT or Airflow is a plus</li><li>Bachelor's degree or equivalent work experience in Computer Science, Statistics, Engineering, Economics, or a closely related field</li></ul><div>The target base salary for this position ranges from $174,000/year to $260,400/year in Zone 1. The target base salary will vary based on the job's location. </div><div><br /></div><div>Our geographic zones are as follows:</div><div>Zone 1 - New York City and San Francisco Bay Area</div><div>Zone 2 - Los Angeles, Seattle, Washington D.C.</div><div>Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego</div><div>Zone 4 - Raleigh-Durham and all other US cities</div><div><br /></div><div>Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.</div><div>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!</div><div><br /></div><div>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at <span class="long-word">accommodations@plaid.com.</span></div><div><br /></div><div>Please review our Candidate Privacy Notice here.</div></div></div>

<h3>Job Description</h3><div>Job Description<div><div>We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.</div><div><br /></div><div>The Developer Experience (DevX) team at Plaid empowers developers to build the next generation of financial services. We own all of the surfaces that developers touch first. Our mission is to make it fast, easy, and delightful for developers to integrate with Plaid.</div><div><br /></div><div>As the Product Manager for Developer Experience, you will be the strategic leader responsible for how developers first encounter, understand and integrate with Plaid. You will be the voice of developers building on our platform, driving the roadmap across APIs and docs, SDKs and sandbox to integration tooling. You will lead the charge in making Plaid the best API platform for developers, whether they're solo builders or building at scale in enterprises. </div><div><br /></div><div>This is a highly cross-functional role where you collaborate with engineers, designers, developer relations, Go-to-Market, and support to create magical, frictionless developer journeys.</div>Responsibilities<ul><li>Define and lead the vision, strategy, and roadmap for developer experience across API onboarding, documentation, SDKs, error handling, developer tooling, sandbox, and support flows </li><li>Deeply understand the needs of Plaid developers through direct engagement, research, data, and collaboration with our Developer Relations team to turn developer feedback into product improvements</li><li>Collaborate with Engineering and Design to ship intuitive, high-quality experiences that reduce time-to-first-call and increase successful integrations.</li><li>Champion a high-quality, consistent and delightful developer experience</li><li>Balance qualitative feedback & intuition with quantitative success metrics to drive high-quality decisions. Own and report on success metrics like activation rate, dev NPS, time to integration, and SDK adoption.</li></ul>Qualifications<ul><li>8+ years of product management experience, with a strong track record in developer platforms, API products or technical infrastructure.</li><li>Deep technical fluency. You are extremely comfortable working with APIs, SDKs, and technical documentation.</li><li>Passion for the developer experience. You care deeply about great tooling, intuitive docs, and reducing friction. </li><li>Exceptional written and verbal communication skills. You can clearly articulate product ideas to both engineers and executives.</li><li>Hands-on experience as a developer. You know what it's like to be the dev reading your docs and have strong opinions about what makes a great development experience.</li><li>[Nice to have] Experience at a fintech, infrastructure, or API-first company.</li><li>[Nice to have] Familiarity with OpenAPI/Swagger, Postman, GitHub, or API client tooling.</li></ul><div>The target base salary for this position ranges from $202,800/year to $330,000/year. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.</div><div>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!</div><div><br /></div><div>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at <span class="long-word">accommodations@plaid.com.</span></div><div><br /></div><div>Please review our Candidate Privacy Notice here.</div></div></div>

<h3>Job Description</h3><div>Job Description<div><div>We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.</div><div><br /></div><div>Plaid is evolving into an AI-first company, and Intelligent Tooling sits at the center of that transformation. The Intelligent Tooling team is being built from the ground up, and our mission is to establish the technical foundations, operating model, and internal platforms that embed AI deeply into Plaid’s coding tools, internal systems, and the entire software development lifecycle.</div><div><br /></div><div>When we are successful, engineers across Plaid will delegate lower-leverage work to AI agents, move faster with confidence, and spend more of their time designing and inventing for customers. Intelligent Tooling owns the platforms and systems that make this possible - from AI coding integrations and SDLC agents to the internal tools that power Plaid’s operations.</div><div><br /></div><div>As the Engineering Manager for Intelligent Tooling, you will lead an engineering team responsible for some of the highest-leverage systems at Plaid. This role is central to executing Plaid’s 2026 engineering strategy to supercharge the engineering organization with AI tooling, and requires a leader who can both build the team and personally operate at the frontier of AI-powered developer workflows to drive real, organization-wide change.</div><div><br /></div><div>You will set direction, drive execution, and critically, ensure adoption of AI-powered tools that improve how hundreds of engineers build, test, debug, and operate software every day. This is not a research role: success is measured by real usage, real impact, and real improvements to developer experience.</div>Responsibilities<ul><li>Build and grow the Intelligent Tooling engineering team from the ground up, including hiring, setting early technical direction, and establishing team culture and operating norms.</li><li>Develop, integrate, and own Plaid’s AI-powered developer tooling and internal platforms, including AI coding tools, agentic workflows, and AI-native SDLC automation.</li><li>Take ownership of existing internal tooling platforms (e.g. Retool, Wadsworth, ID2), ensuring clear ownership, reliable operations, and steady improvements to developer experience.</li><li>Drive organization-wide adoption of AI tooling by embedding AI directly into core engineering workflows such as coding, testing, debugging, and incident response.</li><li>Partner closely with DevEff, Security, Privacy, Legal, and other cross-functional partners to ensure AI tooling is safe, compliant, scalable, and aligned with Plaid’s standards.</li><li>Define and execute against clear success metrics (e.g. usage, quality, reliability) to measure the real impact of Intelligent Tooling across the engineering organization.</li></ul>Qualifications<ul><li>8–10+ years of engineering experience, including time as an IC building production systems.</li><li>3+ years of experience managing and scaling engineering teams.</li><li>Demonstrated success driving adoption of new tools or workflows, ideally AI-powered, for their own team. </li><li>Hands-on experience with AI coding tools, agentic workflows, or LLM-powered developer systems.</li><li>Strong technical judgment with depth in at least one of: developer tooling / DX platforms, infrastructure or platform engineering, or applied AI systems in production.</li><li>Experience translating ambiguous strategy into execution and delivering measurable outcomes.</li><li>Excellent communication and stakeholder management skills.</li><li>[Nice to have] Proven experience leading internal platforms or developer tooling with broad adoption across an engineering organization.</li><li>[Nice to have] Prior ownership of internal platforms with reliability and SLOs, supporting a large internal engineering audience.</li><li>[Nice to have] Experience partnering with security, privacy, legal, or other governance functions on AI-related systems.</li></ul><div>The target base salary for this position ranges from $214,800/year to $366,000/year in Zone 1. The target base salary will vary based on the job's location. </div><div><br /></div><div>Our geographic zones are as follows:</div><div>Zone 1 - New York City and San Francisco Bay Area </div><div>Zone 2 - Los Angeles, Seattle, Washington D.C.</div><div>Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego</div><div>Zone 4 - Raleigh-Durham and all other US cities</div><div><br /></div><div>Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.</div><div>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!</div><div><br /></div><div>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at <span class="long-word">accommodations@plaid.com.</span></div><div><br /></div><div>Please review our Candidate Privacy Notice here.</div></div></div>

<h3>Job Description</h3><div>Job Description<div><div>We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.</div><div><br /></div><div>Plaid’s Product team builds the network that powers the future of financial services. Our mission is to unlock financial freedom for everyone through open finance. Product Managers at Plaid are curious, customer-obsessed, and move quickly to deliver value. They take ownership, sweat the details, and make sound decisions with imperfect information.</div><div><br /></div><div>As a Product Manager on the AI Foundations team, you will drive Plaid’s AI strategy by building the data and intelligence layer that powers smarter financial experiences. You will work across engineering, data science, and research to develop scalable AI systems—from core embeddings and representation learning to applied model integrations that enhance developer and consumer outcomes.</div><div><br /></div><div>This role is for an experienced PM who thrives at the intersection of AI and platform products. You are technically fluent, strategic, and execution-oriented. You enjoy turning advanced machine-learning capabilities into reliable, trusted infrastructure that scales across Plaid’s ecosystem.</div>Responsibilities<ul><li>AI Platform Vision: Define the strategy, roadmap, and success metrics for Plaid’s core AI and data foundation, enabling smarter, more adaptive financial products across the ecosystem.</li><li>System Development: Partner with Engineering and Data Science to design scalable AI systems, from model training and evaluation pipelines to APIs that deliver intelligence at scale.</li><li>Product Execution: Drive initiatives from concept to production, balancing rapid experimentation with reliability, transparency, and responsible AI practices.</li><li>Cross-Functional Collaboration: Work closely with research, platform, and product teams to embed AI capabilities across Plaid’s products and developer platform.</li><li>Measurement and Iteration: Use metrics, model performance data, and customer feedback to validate impact, inform prioritization, and continuously improve outcomes.</li><li>Communication and Alignment: Translate complex AI concepts into clear narratives and tradeoffs for technical and non-technical stakeholders, building shared understanding across teams.</li></ul>Qualifications<ul><li>8+ years of product management experience with direct experience leading AI/ML or applied intelligence products from concept to production with measurable impact.</li><li>Deep technical fluency in how modern ML systems are trained, evaluated, deployed, and monitored, with the ability to engage confidently with engineers and data scientists.</li><li>Strategic and executional range. Skilled at defining long-term AI vision while delivering near-term experiments, prototypes, and launches.</li><li>Platform mindset and experience building scalable developer or data platforms through well-designed primitives, APIs, and frameworks.</li><li>Strong communicator and influencer who can translate complex AI concepts into clear narratives and decisions for technical and non-technical audiences.</li><li>Commitment to responsible AI and transparency, especially in regulated or high-trust domains.</li><li>[Nice to Have] Hands-on experience with LLMs, embeddings, or agentic systems in production.</li><li>[Nice to Have] Familiarity with applied AI in regulated or high-trust domains such as fintech, identity, or risk.</li></ul><div>The target base salary for this position ranges from $202,800/year to $330,000/year [in Zone 1, in Zone 4 or encompassing all Zones]. The target base salary will vary based on the job's location. </div><div><br /></div><div>Our geographic zones are as follows:</div><div>Zone 1 - New York City and San Francisco Bay Area </div><div>Zone 2 - Los Angeles, Seattle, Washington D.C.</div><div>Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego</div><div>Zone 4 - Raleigh-Durham and all other US cities</div><div><br /></div><div>Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.</div><div>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!</div><div><br /></div><div>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at <span class="long-word">accommodations@plaid.com.</span></div><div><br /></div><div>Please review our Candidate Privacy Notice here.</div></div></div>

<h5>Senior Machine Learning Engineer (Research Scientist) </h5><p>We believe that the way people interact with their finances will drastically improve in the next few years. We're dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid's network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. </p><p>The Data team within Plaid's Fraud organization builds the machine learning systems that power Plaid's cutting-edge fraud detection products. By leveraging Plaid's extensive network data, we enable proactive fraud preventionstopping fraud before it happens. Our team owns the entire ML lifecycle, from developing feature pipelines and training models to deploying and monitoring them in production. We ensure that our systems scale reliably and efficiently as Plaid continues to grow and support hundreds of customers. </p><p>As a Senior Machine Learning Engineer (Research Scientist) on Plaid's Fraud Data team, you will design and build scalable ML infrastructure that powers our industry-leading fraud detection product. You'll lead the evolution of our model deployment, monitoring, and observability frameworks to ensure high reliability and performance at scale. Collaborating closely with teams across ML Infrastructure, Product, and Engineering, you'll deliver robust systems that protect users and customers from fraud. In addition, you'll mentor other engineers and help shape the long-term technical vision and strategy of the Fraud Data team. </p><p>***We are open to remote candidates for this role*** </p><p>Responsibilities </p><ul> <li>Lead applied research to develop next-generation fraud models over relational graphs, sequential events, images, and videos data. </li><li>Design and run rigorous experiments and develop evaluation methodologies that reflect real-world fraud dynamics. </li><li>Prototype state-of-the-art model architectures (Graph Neural Networks, Transformer-based foundation models) and translate successful prototypes into production with fellow MLEs. </li><li>Publish and communicate results internally and externally raising the technical bar for fraud ML at Plaid. </li></ul> <p>Qualifications </p><ul> <li>PhD strongly preferred; we will consider equivalent research experience with a strong publication/innovation track record. </li><li>3+ years of experience as a Machine Learning Engineer or Research Scientist. </li><li>Strong scientific rigor and communication. </li><li>Strong Python skills + ability to build high-quality research prototypes. </li><li>Fraud / security / abuse domain experience. - Nice to have </li><li>Experience with large-scale training, graph systems, and sequential modeling. - Nice to have </li></ul> <p>$225,600 - $337,200 a year </p><p>The target base salary for this position ranges from $225,600/year to $337,200/year in Zone 1. The target base salary will vary based on the job's location. </p><p>Our geographic zones are as follows: </p><ul> <li>Zone 1 - New York City and San Francisco Bay Area </li><li>Zone 2 - Los Angeles, Seattle, Washington D.C. </li><li>Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego </li><li>Zone 4 - Raleigh-Durham and all other US cities </li></ul> <p>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! </p><p>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. </p>

<h3>Job Description</h3><div>Job Description<div><div>We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.</div><div><br /></div><div>Fraud remains one of the hardest problems in financial services—and one of the biggest opportunities  for Plaid. Our Fraud team is  building the trusted identity backbone for the financial ecosystem, helping customers onboard good users with confidence while keeping bad actors out. </div><div><br /></div><div>As the Product Manager for Identity Verification (IDV) and Monitor (AML), you’ll own the foundation of  Plaid’s fraud platform. IDV enables fast, accurate identity verification at onboarding, while Monitor provides continuous AML screening and transaction monitoring. Together, they power Protect and Layer–Plaid’s next-generation fraud products. The result is a unified platform that brings  KYC, AML, and fraud prevention together at scale.</div><div><br /></div><div>In this role, you will take end-to-end ownership of IDV and Monitor–setting direction, driving execution, and aligning teams around measurable outcomes. You’ll blend technical, data and design perspectives to move from concept to production quickly and deliver systems that are accurate, reliable and built for scale. You’ll partner directly with Plaid’s fraud founders and an experienced engineering team to raise the standard for fraud prevention.</div>Responsibilities<ul><li>Set the direction. Own the vision, strategy, and roadmap for IDV and Monitor end to end. Drive meaningful outcomes for fraud prevention, compliance, and customer experience.</li><li>Build the backbone. Grow IDV and Monitor as the core of  Protect and Layer by expanding data coverage, improving  decision quality, and enhancing reliability, latency, and transparency across systems</li><li>Execute with focus. Partner closely with engineering, design, and other Fraud teams to move from concept to production with clear launch criteria and consistent follow-through.</li><li>Communicate with precision. Create clarity across teams by articulating decisions, tradeoffs and rationale crisply. translating complex systems into simple narratives and keeping partners aligned on what matters.</li><li>Stay close to the field. Engage with customers and GTM teams to spot fraud and compliance patterns early, translate them into product improvements, and maintain momentum through demos, integrations, and launches.</li></ul>Qualifications<ul><li>6+ years of product management experience in fraud, risk, security, or identity</li><li>Strong technical foundation with a degree in Computer Science or a related field preferred</li><li>Experience building or integrating fraud detection, risk scoring, or IDV/AML systems</li><li>Ability to write clear product requirements and communicate technical concepts to diverse audiences</li><li>Comfortable working closely with engineering, data, and go-to-market teams to deliver measurable impact</li><li>[Nice to Have] Experience with data science or ML-driven systems, including model inputs and outputs</li><li>[Nice to Have] Entrepreneurial or founder experience with a bias toward ownership and experimentation</li></ul><div>The target base salary for this position ranges from $202,800/year to $330,000/year. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.</div><div>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!</div><div><br /></div><div>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at <span class="long-word">accommodations@plaid.com.</span></div><div><br /></div><div>Please review our Candidate Privacy Notice here.</div></div></div>

<h5>Plaid In The Fintech Ai Ecosystem </h5><p>We believe that the way people interact with their finances will drastically improve in the next few years. We're dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid's network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. </p><p>AI and intelligent systems are driving the fifth paradigm shift, following previous technological revolutions like mainframes, personal computers, the internet, and mobile devices. We believe, in the foreseeable future, AI will revolutionize the FinTech industry - from how consumers understand and manage their finances, to how developers build applications and how all companies operate. The fintech industry landscape will undergo a fundamental reshape. </p><h5>Plaid In The Fintech Ai Ecosystem </h5><p>Plaid is uniquely positioned to become the financial data and insights backbone for AI applications and platforms in this evolving ecosystem. </p><p>We believe consumers should be able to understand and manage their financial life through conversational AI interfaces using natural language. We believe consumers should have peace of mind with a trustworthy consent and authorization manager when agents shop for them. We believe identity verification and financial fraud prevention in AI-powered products should feel seamless and embedded for the end users. The list goes on. </p><p>The most important AI companies, major fintechs, and customer agent platforms are actively trying to integrate Plaid into AI-powered products and solutions they build. </p><h5>Plaid's Ai-Powered Experiences For Customers </h5><p>The explosive growth in model intelligence and increasing relevance for enterprise tasks offer a unique opportunity for Plaid to rethink from the ground up how we operate and interact with our customers for the most optimal experience. </p><p>Our early experiments in building AI agents for customer experience are paying off with huge business value. For example, our homegrown AI-powered customer support agents resolve a significant proportion of customer questions and issues within seconds, which would otherwise have required humans hours to work on. This is just the beginning and there is so much more we could do. </p><h5>The Ai Applications Team </h5><p>You will have the opportunity to join as one of the founding members of this newly formed team that is dedicated to consolidating and rapidly scaling our successful bets so far, and grow with the team in our quest to accelerate Plaid's transformation into an AI-first company. </p><p>In this role you will lead projects that enable and scale our business with our largest AI customers and partners, starting with personal finance use cases and expanding into many others; examples include: </p><ul> <li>Develop and evolve the preferred integration pattern for Plaid with AI providers - from API adaptations to building the official Plaid MCP Servers, and beyond </li><li>Redefine how Plaid's consumer link experience embed into conversational interfaces in the most seamless way </li><li>Architect the trust layer for the future of agentic commerce that will become the industry standard </li></ul> <p>Additionally you will be expected to scale and extend our existing successful bets on AI-powered customer experience; examples include: </p><ul> <li>Make the next step-function improvement in our homegrown customer support agent - land our multi-turn and multi-agent system that powers a truly delightful experience for our customers; define how to scalably run offline evaluation for complex multi-turn open-ended tasks; research and prototype how Human-In-The-Loop - Reinforcement Learning (RLHF) can power an insights flywheel; pioneer the architecture for customer-specific long-term memory, etc. </li><li>Extend our agentic system to support other critical parts of the customer journey, starting with areas with the highest ROI - top-of-funnel product recommendation, customer onboarding and risk diligence, customer activation and assistance for faster productionization, as well as upselling and cross-selling of Plaid products </li></ul> <p>You will have a front row seat to all the latest industry developments. Over time, with the skills and experience you develop and hone on this team, you can become an influential voice in defining where AI > Fintech will be heading longer term. </p><h5>Responsibilities </h5><ul> <li>Work with other AI engineers, software engineers and machine learning engineers to architect, design and implement GenAI-powered products and features </li><li>Collaborate across functions to understand user needs, propose and implement AI-powered solutions where they're expected to have the highest impact </li><li>Design and execute rapid experiments to push the boundaries on potential business impact from emerging AI capabilities, with a focus on minimal viable testing approaches </li><li>Balance creative exploration of possibilities with rigorous evaluation of technical feasibility, product potential and business impact </li></ul> <h5>Requirements </h5><ul> <li>Strong SWE fundamentals (system design, APIs, etc.) </li><li>Hands-on experience working with LLMs to build products and shipping them to product with iterating with real user feedback - including but not limited to: </li><li>Prompt engineering </li><li>Fine-tuning </li><li>Retrieval augmented generation (RAG) </li><li>Semantic search - vector database and embedding models </li><li>Agent orchestration framework </li><li>Evaluation and monitoring framework of open-ended tasks </li><li>Streaming and SSE </li><li>Common UX and design patterns for GenAI-powered products </li></ul> <ul><li>Strong debugging and monitoring experience for production systems </li><li>Ability to deeply understand customer and user needs through user research and rapid experimentation - be your own technical PM </li><li>Ability to balance divergent thinking (exploring possibilities) with convergent thinking (evaluating feasibility), which is critical for driving 0 ->1 projects </li><li>Extremely curious and passionate about working in GenAI applications space </li></ul> <h5>Nice-To-Haves </h5><ul> <li>Experience training and/or serving ML models in production, or fine-tuning LLMs for domain-specific use cases </li><li>Comfortable operating in privacy/PII-sensitive environments and applying compliance mitigations </li></ul> <p>$253,200 - $400,000 a year </p><p>The target base salary for this position ranges from $253,200/year to $400,000/year. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans. </p><p>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! </p><p>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. </p><p>Please review our Candidate Privacy Notice here. </p>

<h5>Technical Lead Manager For Consumer Team </h5><p>We believe that the way people interact with their finances will drastically improve in the next few years. We're dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid's network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. </p><p>The Remember Me - Consumer team is building Plaid's next generation of direct-to-consumer products. Our mission is to help people feel more confident and secure in managing their financial lives through intuitive, high-trust experiences powered by Plaid's network. </p><p>This team is developing a new consumer-facing security and bank account monitoring product focused on proactive fraud detection and financial account visibility. It represents an important step in expanding Plaid's direct-to-consumer offerings. We are a small, fast-moving team focused on 0?1 development, owning the experience end-to-end from backend systems to user-facing flows. </p><p>As the TLM for the Consumer team, you will split your time between hands-on technical leadership and people management. </p><p>You will be accountable for the technical foundation of the product, leading the design and evolution of systems that monitor financial accounts and power user-facing experiences. You will drive key architectural decisions, raise engineering standards through design reviews and mentorship, and help the team balance rapid iteration with long-term system health. </p><p>At the same time, you will build and lead a strong engineering team. You will create clarity around goals, support individual growth, and hold a high bar for ownership and delivery. You will work closely with Product and Design to take complex, ambiguous problems and turn them into simple, trustworthy experiences for users. </p><h5>Responsibilities </h5><ul> <li>Lead technical design and execution for consumer-facing security and monitoring systems. </li><li>Own backend architecture, data flows, and identity and authentication integrations. </li><li>Hire, manage, and develop a team of engineers. </li><li>Maintain a high bar for security, reliability, and operational excellence. </li><li>Partner cross-functionally to align product goals and technical strategy. </li><li>Use data and experimentation to improve onboarding, engagement, and user value. </li></ul> <h5>Qualifications </h5><ul> <li>8+ years of experience in software engineering, with a proven track record of delivering successful projects. </li><li>2+ years of engineering management experience. </li><li>Experience building consumer-facing products. Strong user empathy and ability to balance technical tradeoffs with product outcomes. </li><li>Track record of building and growing high performing engineering teams (either as an engineer or a manager). </li><li>Experience leading 0?1 product development. </li></ul> <p>Target base salary for this role is between $214,800 and $366,000 per year. Additional compensation in the form of equity and/or commission is dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans. </p><p>Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! </p><p>Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know. </p>

Plaid Job Openings

Prepare for and practice Plaid interview questions.

Calculate Moving Average	SQL	Easy
Predict Customer Churn	Machine Learning	Medium
A/B Test Significance	Statistics	Medium
Optimize Query Performance	SQL	Hard
Feature Importance Analysis	Machine Learning	Medium
Clean Missing Data	Python	Easy
Neural Network Architecture	Deep Learning	Hard
Calculate Cohort Retention	SQL	Medium
Bayesian Probability	Statistics	Easy
Recommend Similar Products	Machine Learning	Hard